Liberty Secure Health Connect Policy

Liberty Secure Health Connect Policy offers comprehensive health insurance coverage along with the benefits of flexibility to reload the sum insured, increase cumulative bonus, stay fit perks etc. Apart from this, the plan also covers daycare procedures, daily hospital cash and in-patient hospitalization.

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Liberty Secure Health Connect Policy

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Liberty Secure Health Connect Policy: Key Highlights

     

     

    Policy Tenure

    1,2, 3 years

    Pre-policy Test

    Not required up to 55 years

    Claim Assurance

    Rs 1500 reimbursed for not fulfilling the assurance

    Cumulative Bonus

    Up to 150% of the SI

    Coverage Offered

    Liberty Secure Health Connect Policy offers coverage under 4 of the following plans:

    The four plans are:

    • Complete - Sum Insured: 2, 3, 4, 5, 6, 7.5, 10 and 15 lakh
    • Basic - Sum Insured: 3,4, 5 lakh
    • Elite - Sum Insured: 2,3, 4, 5, 6, 7.5, 10 lakh
    • Supreme - Sum Insured: 3, 4, 5, 6, 7.5, 10 lakh

     All four plans provide the coverage for follow:

    • In-patient treatment Expenses
    • Domiciliary Hospitalization Treatment
    • Day Care Treatment
    • Second Opinion of Doctor
    • Extended Policy Tenure
    • Loyalty Perks
    • Health Check-Up

    Inclusions of this Plan

    Liberty Secure Health Connect plan have the below-mentioned policy inclusions:

    • Hospitalization Expenses: The plan covers in-patient hospitalization and treatments done in the hospital, where the patient hospitalization is for more than 24 hours.
    • Day Care Procedures: The plan covers 405-day care procedures, which require hospitalization of less than 24 hours.
    • Pre- Hospitalization: Pre-hospitalization expenses for 30 days for the E-connect plan and 60 days for all other three plans are covered.
    • Post- Hospitalization Expenses: Post-hospitalization expense is covered in this plan. It is 60 days for the E-connect plan and 90 days for all other plans.
    • Emergency Road Ambulance Charges: The plan covers emergency road ambulance charges. It pays Rs 1,500 for E-connect & Basic Plan and Rs 2,000 Elite & Supreme Plan as ambulance charges.
    • Hospital Daily Cash Allowance: Liberty Health Insurance pays per day allowance of Rs 500 per day for the E-connect plan and Basic plan. It pays Rs 1,000 per day for Platinum and Elite plan options. This policy pays after 48 hours of continuous hospitalization for up to ten days.

    Exclusions of this Plan

    Liberty Secure Health Connect Health Insurance does not cover the following:

    • Charges incurred for non-allopathic treatment
    • STDs
    • Injuries due to self-harm or suicide attempt
    • Pregnancy and maternity expenses
    • Cosmetic and Aesthetic procedures and surgeries

    Please refer to the policy document for a detailed list of exclusions.

    Liberty Secure Health Connect Policy: Features and Benefits

    Liberty Secure Health Connect Insurance Policy features and benefits are as follows:

    • Reload of Sum Insured: In this benefit, if the sum insured amount for a year is exhausted, then the total sum insured gets restored automatically for the current policy year.
    • Enhanced Cumulative Bonus: In case of no claim made, there is an option to enhance cumulative bonus, which can be up to a maximum of 150% of the sum insured.
    • Pay Premium Installments- The policy offers the flexibility of paying the premiums in installments rather than in one go.
    • Flexible Policy Term– The policy coverage is provided for 1, 2 and 3 years.
    • Stay Fit Perks – This plan provides automatic bonuses after every two claim-free years, according to the sum insured chosen and type of plan opted. One can use this sum after the renewal of the policy.
    • Claims Assurance– The policy provides a guaranteed reply to one's cashless claims request in 6 hours, or the policy pays Rs 1,500 per hospitalization.
    • Tax Benefits - This policyholder gets tax benefits under 80C of Income Tax Act, 1961 on the premiums paid for this plan.

    Eligibility Conditions

    The policy comes with the following eligibility conditions:

    Type

     

    Individual or Family Health Insurance

    Minimum Entry Age

    18  years

    Maximum Entry Age

    65 years

    Number of people covered

    Self, spouse, in-laws and parents up to 65 years of age, dependent children up to 25 years of age

    Residential Status

    Indian citizens and Residents

    Cancellation of Policy

    For Liberty Secure Health Connect Policy Health Insurance, the plan provides a Free-look period.  If the Insured is not satisfied with the policy terms, he/she can return or cancel the policy. This has to be done within 15-days period from the policy commencement date, provided no claim has been paid. The premium after tax deduction and a stamp charge is refunded to the policyholder.

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